The Problem With Idle Cash
Cash sitting still is a decision, even if no one made it deliberately
Most business owners do not leave cash idle by choice. They leave it idle because the alternative — manually tracking market conditions, credit exposure, and liquidity needs across multiple accounts — is time they don't have.
Modern risk management has become more complex, not less. Interest rate movement, counterparty exposure, and short-term liquidity requirements now shift on a weekly basis, not annually. Spreadsheets and quarterly reviews were not built for that pace.